下载文档原格式
第1篇一、报告概述本报告旨在对个人财务状况进行全面分析，包括收入、支出、储蓄、投资等方面。
通过对个人财务数据的梳理和分析，为个人提供财务规划和改进建议，以实现财务自由和可持续发展。
二、收入分析1. 收入来源个人主要收入来源包括工资、奖金、投资收益等。
（1）工资：本年度工资收入为XX万元，同比增长XX%。
（2）奖金：本年度奖金收入为XX万元，同比增长XX%。
（3）投资收益：本年度投资收益为XX万元，同比增长XX%。
2. 收入结构分析从收入结构来看，工资收入占比最高，达到XX%；奖金收入占比XX%；投资收益占比XX%。
这表明个人主要依靠工资收入，奖金和投资收益对收入的影响相对较小。
三、支出分析1. 支出构成个人主要支出包括生活费用、教育费用、医疗费用、娱乐费用、投资费用等。
（1）生活费用：本年度生活费用支出为XX万元，同比增长XX%。
（2）教育费用：本年度教育费用支出为XX万元，同比增长XX%。
（3）医疗费用：本年度医疗费用支出为XX万元，同比增长XX%。
（4）娱乐费用：本年度娱乐费用支出为XX万元，同比增长XX%。
（5）投资费用：本年度投资费用支出为XX万元，同比增长XX%。
2. 支出结构分析从支出结构来看，生活费用占比最高，达到XX%；教育费用占比XX%；医疗费用占比XX%；娱乐费用占比XX%；投资费用占比XX%。
这表明个人在生活费用上的支出较大，其次是教育费用。
四、储蓄分析1. 储蓄额本年度储蓄额为XX万元，同比增长XX%。
2. 储蓄率储蓄率=（储蓄额/总收入）×100%，本年度储蓄率为XX%。
从储蓄率和储蓄额来看，个人储蓄状况良好，但仍有提升空间。
五、投资分析1. 投资品种个人投资品种包括股票、基金、债券、理财产品等。
2. 投资收益本年度投资收益为XX万元，同比增长XX%。
3. 投资风险个人投资风险相对较低，投资品种以稳健型为主。
六、财务状况评价1. 财务状况总体良好个人财务状况总体良好，收入稳定，支出合理，储蓄率较高，投资收益良好。
第1篇一、前言财务管理是企业运营的重要组成部分，它关系到企业的经济效益、风险控制和发展战略。
作为一名财务管理人员，我深知自身在财务管理中的重要性。
为了更好地提升自己的财务管理能力，我对自己进行了全面的自我分析，以下是我对自身财务管理的自我分析报告。
二、个人基本情况姓名：XXX年龄：XXX学历：XXX工作年限：XXX所在部门：XXX三、财务管理能力分析1. 财务分析能力（1）财务报表分析我具备扎实的财务报表分析能力，能够准确解读资产负债表、利润表、现金流量表等财务报表，分析企业的财务状况、盈利能力、偿债能力等。
在分析过程中，我注重数据的真实性和完整性，确保分析结果的准确性。
（2）财务指标分析我熟悉财务指标的计算方法和应用，能够根据企业实际情况选择合适的财务指标进行评价。
在分析过程中，我注重指标间的相互关系，全面评价企业的财务状况。
2. 预算管理能力（1）预算编制我具备较强的预算编制能力，能够根据企业发展战略和业务需求，制定合理的预算方案。
在编制过程中，我充分考虑各类成本费用，确保预算的可行性和准确性。
（2）预算执行与控制我具备较强的预算执行与控制能力，能够对预算执行情况进行跟踪分析，及时发现问题并采取措施进行调整。
在预算控制过程中，我注重成本效益分析，确保企业资源得到合理利用。
3. 风险管理能力（1）风险评估我具备较强的风险评估能力，能够识别企业面临的各种风险，包括市场风险、信用风险、操作风险等。
在评估过程中，我注重风险发生的可能性和影响程度，为企业风险防范提供依据。
（2）风险控制我具备较强的风险控制能力，能够根据风险评估结果，制定相应的风险控制措施。
在风险控制过程中，我注重内部控制的完善和执行，确保企业风险得到有效控制。
4. 资金管理能力（1）资金筹措我具备较强的资金筹措能力，能够根据企业资金需求，选择合适的融资渠道和融资方式。
在资金筹措过程中，我注重成本和风险的控制，确保企业资金来源稳定。
（2）资金运用我具备较强的资金运用能力，能够根据企业发展战略和业务需求，合理配置资金。
第1篇一、前言随着我国经济的快速发展，个人财务管理逐渐成为人们关注的焦点。
为了更好地了解自己的财务状况，提高财务规划能力，本报告将分析个人财务报告，并对财务状况进行评估和建议。
二、个人财务报告概述个人财务报告主要包括以下几个方面：1. 资产状况：包括现金、存款、投资、房产、车辆等。
2. 负债状况：包括房贷、车贷、信用卡、消费贷款等。
3. 收入状况：包括工资、奖金、投资收益、兼职收入等。
4. 支出状况：包括日常消费、教育、医疗、娱乐等。
5. 理财目标：包括短期、中期和长期目标。
三、个人财务报告分析1. 资产状况分析（1）现金及存款：分析个人现金及存款的构成，了解资金的流动性。
如现金及存款比例过高，可能意味着个人对风险的承受能力较低；如比例过低，则可能面临资金紧张的情况。
（2）投资：分析个人投资组合，包括股票、基金、债券等。
了解投资收益和风险，评估投资策略是否合理。
（3）房产：分析房产的价值、贷款情况等。
了解房产的保值增值能力，评估是否需要调整购房策略。
（4）车辆：分析车辆的价值、贷款情况等。
了解车辆的折旧情况，评估是否需要更换车辆。
2. 负债状况分析（1）房贷：分析房贷利率、还款期限等。
了解房贷的还款压力，评估是否需要提前还款。
（2）车贷：分析车贷利率、还款期限等。
了解车贷的还款压力，评估是否需要提前还款。
（3）信用卡：分析信用卡使用情况、还款能力等。
了解信用卡的透支风险，评估是否需要调整消费习惯。
3. 收入状况分析（1）工资：分析工资构成、增长趋势等。
了解个人职业发展情况，评估是否需要提高自身能力。
（2）奖金：分析奖金发放频率、金额等。
了解公司业绩和自身绩效，评估是否需要提高工作效率。
（3）投资收益：分析投资收益的稳定性、增长趋势等。
了解投资收益来源，评估投资策略是否合理。
（4）兼职收入：分析兼职收入来源、稳定性等。
了解个人兼职能力，评估是否需要拓展兼职渠道。
4. 支出状况分析（1）日常消费：分析日常消费构成、支出趋势等。
个人财务管理及投资规划计划三篇《篇一》个人财务管理及投资规划是每个人都应该重视的重要课题。
随着社会经济的发展和个人财富的不断增长，如何有效地管理自己的财务和进行投资规划，以实现财务自由和保障未来的生活质量，已经成为越来越多人的关注焦点。
为此，我制定了这份个人财务管理及投资规划计划，旨在为自己一套科学、合理、可行的财务管理和投资规划方案。
本计划主要包括以下几个方面的工作内容：1.分析当前财务状况：包括收入、支出、债务、储蓄等方面的情况，以便了解自己的财务状况和存在的问题。
2.设定财务目标：根据个人的生活规划和发展需求，设定短期和长期的财务目标，明确自己在财务方面的期望和追求。
3.制定预算计划：根据分析得出的财务状况和设定的财务目标，制定合理的月度和年度预算计划，以确保资金的合理分配和利用。
4.进行投资规划：根据自己的风险承受能力和投资偏好，选择合适的投资方式和渠道，进行科学、理性的投资，以实现财务的增值和保值。
5.监控和调整：定期对自己的财务状况和投资情况进行监控和评估，及时发现问题并进行调整和改进。
本计划的实施将分为以下几个阶段：1.准备阶段：收集和整理相关的财务信息和数据，了解自己的财务状况。
2.分析阶段：对收集到的财务数据进行分析，找出存在的问题和不足之处。
3.制定阶段：根据分析结果和设定的财务目标，制定具体的预算计划和投资规划。
4.实施阶段：按照制定的计划进行行动，执行预算和投资策略。
5.监控和调整阶段：定期对自己的财务状况和投资情况进行监控和评估，及时调整和改进。
工作的设想：通过本计划的实施，我希望能够实现以下几个目标：1.建立科学的财务管理体系，使自己的财务状况更加稳定和健康。
2.通过投资规划，实现财务的增值和保值，提高自己的财富水平。
3.培养良好的财务习惯和理财意识，使自己在财务管理方面更加自律和明智。
4.准备阶段（1周）：收集和整理相关的财务信息和数据，了解自己的财务状况。
5.分析阶段（1周）：对收集到的财务数据进行分析，找出存在的问题和不足之处。
第1篇一、引言随着我国经济的快速发展，个人财务管理越来越受到人们的关注。
为了更好地了解个人的财务状况，本报告将从以下几个方面对个人财务结构进行分析，包括资产状况、负债状况、收入状况和支出状况，旨在帮助个人理清财务状况，制定合理的财务规划。
二、资产状况分析1. 资产构成（1）流动性资产：主要包括现金、银行存款、货币基金等。
这类资产具有较高的流动性，便于随时用于日常消费或紧急情况。
（2）投资性资产：包括股票、债券、基金、房地产等。
这类资产具有较高的收益潜力，但同时也伴随着较高的风险。
（3）固定资产：如房产、汽车等。
这类资产价值较高，流动性较差，但具有较高的保值增值能力。
2. 资产状况分析（1）流动性资产：根据调查，我国个人流动性资产占比约为30%，其中现金占比约为10%，银行存款占比约为20%，货币基金占比约为10%。
流动性资产占比适中，能够满足个人短期资金需求。
（2）投资性资产：我国个人投资性资产占比约为40%，其中股票占比约为15%，债券占比约为10%，基金占比约为15%，房地产占比约为10%。
投资性资产占比相对较高，说明个人投资意识较强。
（3）固定资产：我国个人固定资产占比约为30%，其中房产占比约为25%，汽车占比约为5%。
固定资产占比适中，表明个人在满足基本生活需求的同时，注重资产保值增值。
三、负债状况分析1. 负债构成（1）消费性负债：主要包括信用卡透支、消费贷款等。
这类负债主要用于满足个人消费需求。
（2）投资性负债：如房贷、车贷等。
这类负债主要用于投资性资产购买。
2. 负债状况分析（1）消费性负债：根据调查，我国个人消费性负债占比约为20%，其中信用卡透支占比约为10%，消费贷款占比约为10%。
消费性负债占比适中，表明个人消费观念较为理性。
（2）投资性负债：我国个人投资性负债占比约为15%，其中房贷占比约为10%，车贷占比约为5%。
投资性负债占比相对较低，说明个人在投资过程中注重资金安全。
第1篇一、前言随着我国经济的快速发展，个人财务规划越来越受到人们的重视。
为了更好地管理个人财务，提高生活质量，本报告将对本人当前的财务状况进行详细分析，旨在为未来的财务规划提供参考。
二、个人财务状况概述1. 收入来源本人目前的收入主要来源于以下三个方面：（1）工资收入：每月固定工资收入为人民币X万元，年终奖约为人民币Y万元。
（2）投资收益：通过股票、基金、债券等投资渠道，每月可获得约人民币Z万元的投资收益。
（3）其他收入：包括稿费、兼职收入等，每月约人民币W万元。
2. 支出情况本人目前的支出主要包括以下几个方面：（1）日常生活支出：包括食品、衣物、住房、交通、通讯等，每月约人民币A万元。
（2）休闲娱乐支出：包括旅游、购物、娱乐等，每月约人民币B万元。
（3）教育支出：包括子女教育、自身进修等，每月约人民币C万元。
（4）医疗保健支出：包括医疗保险、药品费用等，每月约人民币D万元。
（5）其他支出：包括人情往来、礼物等，每月约人民币E万元。
三、财务分析1. 收入分析（1）收入结构分析：本人收入来源较为多元化，其中工资收入占比最大，投资收益和兼职收入相对较少。
这说明本人目前的经济来源较为稳定，但也需要进一步拓展收入渠道。
（2）收入增长趋势分析：从过去一年的收入情况来看，工资收入基本保持稳定，投资收益略有增长，兼职收入波动较大。
未来，应关注市场变化，合理调整投资策略，提高投资收益。
2. 支出分析（1）支出结构分析：日常生活支出和休闲娱乐支出占据较大比例，教育支出和医疗保健支出相对较少。
这说明本人消费观念较为理性，但也需要关注子女教育和自身健康。
（2）支出增长趋势分析：从过去一年的支出情况来看，日常生活支出和休闲娱乐支出保持稳定，教育支出略有增长，医疗保健支出波动较大。
未来，应关注子女教育费用，合理规划教育支出。
3. 储蓄分析（1）储蓄率分析：本人目前的储蓄率为（收入-支出）/收入，约为X%。
这说明本人有一定的储蓄能力，但也需要进一步提高储蓄率。
第1篇一、报告摘要本报告旨在对个人财务状况进行全面的评估和分析，通过对个人收入、支出、储蓄、投资等方面的梳理，找出财务状况的优势和不足，并提出相应的改进建议。
报告涵盖以下内容：个人财务状况概述、收入分析、支出分析、储蓄分析、投资分析、风险分析以及财务规划建议。
二、个人财务状况概述1. 基本信息姓名：张三年龄：30岁职业：工程师婚姻状况：已婚2. 财务状况概述根据个人财务记录，张三的年收入约为50万元，家庭总资产约为200万元，负债约为50万元。
家庭月均支出约为1.5万元。
三、收入分析1. 收入来源张三的收入主要来源于工资收入，占比约为80%。
此外，还有股票投资收益、房租收入等，占比约为20%。
2. 收入分析张三的年收入较为稳定，工资收入增长空间有限。
但通过股票投资等多元化收入渠道，可以提高家庭收入水平。
四、支出分析1. 支出结构张三的家庭支出主要包括以下几方面：日常生活支出、教育支出、医疗支出、房贷支出、汽车支出等。
2. 支出分析（1）日常生活支出：占比约为40%，主要包括食品、衣物、娱乐等。
这部分支出相对稳定，可适当降低消费水平。
（2）教育支出：占比约为20%，主要用于子女教育。
可考虑合理规划教育资金，确保子女教育需求。
（3）医疗支出：占比约为10%，包括家庭医疗费用和保险费用。
建议关注健康，降低医疗支出。
（4）房贷支出：占比约为25%，为家庭负债的主要部分。
需合理安排房贷还款计划，降低负债压力。
（5）汽车支出：占比约为15%，包括购车、保养、油费等。
可考虑降低汽车支出，节省资金。
五、储蓄分析1. 储蓄状况张三家庭储蓄状况良好，月均储蓄约为5000元。
2. 储蓄分析（1）储蓄方式：主要包括银行储蓄、国债、基金等。
（2）储蓄收益：储蓄收益相对较低，但风险较小，适合风险承受能力较低的投资者。
六、投资分析1. 投资状况张三的投资主要包括股票、基金、国债等。
2. 投资分析（1）股票投资：占比约为40%，收益较高，但风险较大。
第1篇一、报告概述本报告旨在全面分析个人的财务状况，包括收入、支出、储蓄、投资等方面，并对未来的财务规划提出建议。
报告将基于过去一年的财务数据，结合当前的经济环境和个人的生活需求，对个人的财务健康状况进行评估。
二、财务状况概述1. 收入情况- 主要收入来源：本年度主要收入来源为工资收入，包括基本工资、奖金和津贴等。
- 收入结构：工资收入占总收入的比例为80%，其他收入（如兼职、投资收益等）占20%。
- 收入变化趋势：过去一年，收入保持稳定增长，年增长率约为5%。
2. 支出情况- 主要支出类别：主要支出包括日常生活开销、房贷/房租、教育费用、医疗保健、休闲娱乐等。
- 支出结构：日常生活开销占40%，房贷/房租占30%，教育费用占15%，医疗保健占10%，休闲娱乐占5%。
- 支出变化趋势：随着收入的增长，支出也相应增加，但支出增长率低于收入增长率。
3. 储蓄情况- 储蓄率：本年度储蓄率为20%，即每年收入中有20%用于储蓄。
- 储蓄方式：主要储蓄方式为银行存款和定期理财产品。
- 储蓄变化趋势：随着收入的增加，储蓄金额逐年增长。
4. 投资情况- 投资类型：主要投资包括股票、债券、基金和房地产。
- 投资比例：股票投资占40%，债券投资占30%，基金投资占20%，房地产投资占10%。
- 投资收益：过去一年，投资收益率为10%，扣除通货膨胀因素后，实际收益率为7%。
三、财务状况分析1. 收入分析- 收入稳定增长，为个人提供了良好的经济基础。
- 需关注收入来源的多样性和抗风险能力。
2. 支出分析- 生活开销合理，但房贷/房租占比较高，需考虑减少负债。
- 教育费用投入较高，需评估教育投资回报率。
3. 储蓄分析- 储蓄率较高，为应对突发事件和实现未来目标提供了保障。
- 需进一步优化储蓄方式，提高投资收益。
4. 投资分析- 投资结构较为合理，但需关注不同投资品种的风险和收益。
- 需根据市场变化调整投资策略。
四、财务规划建议1. 收入规划- 争取提高工资收入，增加兼职收入，拓展收入来源。
第1篇一、报告概述本报告旨在通过对个人财务状况的全面分析，揭示个人财务状况的现状、问题及改进措施。
报告内容涵盖个人收入、支出、储蓄、投资等方面，旨在帮助个人更好地了解自己的财务状况，制定合理的财务规划。
二、个人收入分析1. 收入来源个人收入主要来源于工资、奖金、投资收益等。
以下是对各项收入来源的分析：（1）工资收入：为主要收入来源，占收入总额的70%。
工资收入稳定，但增长空间有限。
（2）奖金收入：占收入总额的20%，与工作业绩挂钩，具有一定的波动性。
（3）投资收益：占收入总额的10%，包括股票、基金、债券等投资收益。
投资收益受市场波动影响较大。
2. 收入结构分析从收入结构来看，个人收入来源较为单一，工资收入占比过高，投资收益占比相对较低。
为提高收入稳定性和增长空间，建议适当调整收入结构，增加投资收益占比。
三、个人支出分析1. 支出类别个人支出主要包括以下类别：（1）生活费用：包括房租、水电费、饮食、交通等。
（2）娱乐休闲：包括旅游、购物、健身等。
（3）教育费用：包括子女教育、自身进修等。
（4）医疗保健：包括医疗保险、药品、体检等。
2. 支出结构分析从支出结构来看，生活费用和娱乐休闲支出占比较高，分别为40%和30%。
为提高生活质量，适当增加娱乐休闲支出是必要的。
但需注意，过高的支出可能导致财务压力增大。
3. 支出控制建议（1）合理规划生活费用：制定预算，控制非必要开支，如外出就餐、购买奢侈品等。
（2）理性消费：避免冲动购物，关注性价比，购买适合自己的产品。
（3）合理规划教育费用：根据自身需求，选择合适的进修途径，避免过度消费。
（4）关注医疗保健：购买医疗保险，降低医疗风险。
四、个人储蓄分析1. 储蓄率个人储蓄率为收入减去支出的差额，占收入的比例。
以下是对储蓄率的分析：（1）储蓄率现状：当前储蓄率为30%，处于中等水平。
（2）储蓄率目标：为实现财务自由，建议将储蓄率提高到50%。
2. 储蓄方式个人储蓄方式主要包括以下几种：（1）活期储蓄：方便取用，但收益较低。
第1篇一、引言随着我国经济的快速发展，个人财务管理的重要性日益凸显。
合理规划个人财务，有助于提高生活质量，实现财务自由。
本报告旨在对个人财务进行统筹分析，以期为个人财务规划提供有益参考。
二、个人财务现状分析1. 收入状况（1）收入来源目前，我的收入主要来源于以下三个方面：a. 任职公司工资：每月固定工资，按月发放。
b. 投资收益：包括股票、基金、债券等投资品种的收益。
c. 自有项目收入：如开设网店、参与兼职等。
（2）收入水平近期收入水平如下：a. 任职公司工资：每月8000元。
b. 投资收益：平均每月2000元。
c. 自有项目收入：平均每月1500元。
总体来说，我的收入水平较为稳定，但仍有提升空间。
2. 支出状况（1）支出项目我的支出主要包括以下几方面：a. 生活费用：包括房租、水电费、饮食、交通等。
b. 休闲娱乐：如旅游、购物、看电影等。
c. 教育培训：如报名课程、购买书籍等。
d. 医疗保健：包括医疗保险、体检等。
e. 还款支出：如房贷、车贷等。
（2）支出水平近期支出水平如下：a. 生活费用：每月3000元。
b. 休闲娱乐：每月1000元。
c. 教育培训：每月500元。
d. 医疗保健：每月500元。
e. 还款支出：每月3000元。
总体来说，我的支出较为合理，但仍有优化空间。
3. 储蓄状况（1）储蓄比例目前，我的储蓄比例为：收入 - 支出 = 储蓄15000 - 9000 = 6000元储蓄比例约为40%，属于合理范围。
（2）储蓄方式我的储蓄方式主要包括以下几种：a. 银行存款：将一部分资金存入银行，以备不时之需。
b. 购买国债：投资风险较低，收益稳定。
c. 购买基金：通过分散投资，降低风险，追求长期收益。
三、个人财务规划1. 收入规划（1）提升工资收入a. 提升个人能力，争取晋升加薪。
b. 拓展副业，增加收入来源。
（2）增加投资收益a. 学习投资知识，提高投资技能。
b. 优化投资组合，降低风险。
【财务管理分析】个人财务与投资分析xxxx年xx月xx日xxxxxxxx集团企业有限公司Please enter your company's name and contentvSuggestions on Andrew’s investment1.IntroductionTo have comfortable life, it is important for one to earn more, but no less is the right management of money, as acclaimed by Carlos (2009). Andrew is facing the problem of managing his money effectively, so this report is written to give him some suggestions. Before writing, the work of referring to the introduction of his situation and the checking of the internet for information of proper financial products and services has been done carefully.As was written to illustrate the fact that how to schedule your finance and how to invest efficiently, this report is not only fit Andrew very well but will also be helpful for someone who is unfamiliar with financial services and products but want to manage their wealth more efficiency. The report firstly analyzed the financial structure of Andrew; in addition, It worked out the future financial needs of Andrew; then, It checked to find proper financial products or services mainly by internet; and finally, It come up with a conclusion which includes a series of financial products and services that fits Andrew well, also It helped him on how to deal with it effectively.2.Analysis of financial services2.1Current financial structure of AndrewTable 1. Andrew’s financial structureForm table 1 we can clearly know what Andrew has and how much are they to investment. The calculation of his assets and net income in detailis as following:As he has buy a personal pension for five years, and he does currentlypay 6% of his gross salary into it, so in total he has put $14400 into thepersonal pension schedule.According to the Tax relief on personal pensions, he ends up to have $ 18000 in his pension pot.His assets include some ordinary shares of three companies, money in bank accounts and a flat.The number of ordinary shares is as following:Aberdeen Asset30,000ManagementPrudential 6,000Royal Bank of Scotland 60,000Money in his current account is £1,800 and in his easy-access savings account is £5,000. The flat is a 2-bedroom flat near the centre of Edinburgh.His debt is the mortgage of his flat to pay in five years.He may pay tax include income tax and tax on saves and investments. According to the rule from the website of UK (2011), to calculate his tax on income, we should firstly calculate out the taxable income which is gross income of salaries and investment; then less debt and pension contributions, and lastly to find the right basic rate to do the final calculation. The process of calculation is illustrated as following, Andrew and calculates it out by himself with further information on his financial condition. He can also search for online help by visiting the website of HMRC Online Services.Taxable Income £48,000Less Personal Allowance ? ? ?Less Pension Contributions £3,600Income tax chargeable on ? ? ?Basic Rate at the fittest level ? ? ?Tax payable = ? ? ?Tax rate on earnings by different way or on different financial products are usually different from each other. Any interest earned (on savings accounts, certain types of OEIC etc.) is usually taxed at 20%, while investment income in the form of dividends from company shares, for example, is only taxed at 10% (Arthur, 2009). When he sell his assets, such as his flat or his ordinary shares he has to pay for a Capital Gain Tax at the tax rate of 18%.His income includes his after-tax salary, dividends and interests from his banking account. But more attention should be pay on about his net income or to say the cash flow he can moister to invest. He has $500 per month left over from his salary that he can save or invest elsewhere, so it add up to $6000 every year he can collect to save or invest elsewhere, this is his net income via his salary. He can also receive some dividends by his ordinary share though stocks he own and interests though hiscurrent account and easy-access savings account. Interests of his current account and his easy-access savings account are various from different banks and time to time, but Andrew and easily find them from the website of the government of UK.2.2 future financial ambitions of AndrewHe wishes to use the funds he has available to travel the world for at least two years when he retires, so the investment terms supposed to be totally 10-12 years and of course he suppose the much reward the better.He has to pay for mortgage for his flat in the next five years, so he should be clarify in the first 5 years while in the last 5 to 7 years. In the last 5 to 7 years he can invest into some financial products which is more risky besides remains some money for his living. After backing from his travel around the world, Andrew has to plan for his rest life, as he has to have a flat to live in, but do not need one after his death, I suggest him using Reverse Annuity of Real Estate and life insurance.So this report suggests him to divide his investment term into three. The first one is his first five years, the second one is his other 5 to 7 years, and the third one is from his back of travel to his death.2.3 Range of products available to AndrewThe financial sector includes banks, insurance companies, finance houses,investment trusts, fund managers, the stock exchange and so on. They provide many financing tools include investor shares, bonds, and warrants and so on. As he has no obvious inclines that all these financial products and their portfolios can be available to Andrew.Information in details of financial products which may fit Andrew is as following,Pensions:Pensions are designed to provide regular income for people when they retired. Blackburn (2007) had discussed a global pension plan which includes a various kinds of pensions which suggested that There are really many different types of pensions, and they are traditionally been managed by pension funds and insurance. Now, let us practice to find how the tax relief on personal pensions works: if Andrew put 80 pound in to his personal pension schedule, he can ends up with the right to claim that he can get 100 pound in his pension pot. That is to say the investor of the pension can claim tax back from the government at the basic rate of 20%.To check whether you can get a state pension, you can find more information in details by the website of UK government. You can also find information on personal pension investment there. You can buy pensions though two ways: getting one through your job, or setting upyour own. Also, you can choose both.Reverse Annuity of Real Estate:It is a financial product mainly designed for retire persons. It works in the following way: when a person retires, he can get a payment from the bank for a certain year, or until his death. Then in the final of the term, or when the investor dies, the bank will get the real estate.Life insurance is the most important way to deal with uncertain situations, especially for old people who are really easy to be ill. Also it fits Andrew well when he having the travel all over the world. He can get information easily from the insurance companies or online services of insurance institutions.Suitable tax-free products include: fixed rates fund and premium bands of banks and ISAs and National Savings & other Investments. They are always serve by the bank, or have close relationship with the government. They are always financial products with low risk and low reward.As the very fast development of financial products, now days just like Baddepudi (2007) comes up with, other important financial products such as ITs, UTs and OEICs are playing a more and more important role in the portfolio.IT here is short for investment Trust which is a public limited company to sell its assets by shares in the secondary market, it mostly used in the UK.ITs are close-ended fund. In fact IT is not in fact a “trust” but a separate legal person or a company in the sense of law. It operates and trades like any other quoted company. People hold it by shares which are traded in the secondary market and the share price is determined by supply and demand monthly. It has low risk but high reward when compared with UTs and OEICs.UT is the abbreviation of Unit Trust which is equal to Unit Investment Trust. In fact, UT is a Trust which broken down a portfolio which includes lots of money into unit, this is where the differences lies between UT and mutual fund, according to Sharpe (1996). It is sold by unit and it is easy and cheap to trade. For its average risk is equal to the portfolio it comes from which is low, its reward is also low.The management company plays a very important role for a unit trust to be successful. The management company gets shares form companies and they put them together to form a capital pool, then they create UTs by divided the capital pool into unit. The management company burdens the responsibility to advertising and selling the UTs, and they make money by selling UTs. There are lots types of UTs, among which the most common are cash equivalents, property, mortgages and securities. Expenses for investing UTs include operating expenses and sales charges and entrance or exit fees. The operating expenses of UTs are low because they are not buying or selling by shares. But different from many otherfinancial products namely ITs or OEICs, UTs always has a sale charges and entrance or exit fees. It is also called participate Trusts for both the investor and the owner of the capital of unit trusts shares the rewards and risks.OEIC is equal to its full name--Open-Ended Investment Company. It operates and trades by shares like IT, but it is an open company. It is also trades like a stock. The shares of OEIC of a certain company are listed and traded by the London Stock Exchange, and how the price of the Open-Ended Investment Company is same when compared with a stock—its price formed by bide of sellers and buyers, and its price changes from day to day mainly decided by the supply and demand. To compare ITs, UTs and OEICs in detail, the following table can best illustrate it.Table2. The features and differences among ITs . UTs and OEICs.2.3 To analysis reward of different products or product portfolioTo sum up, The financial products should be classified into four baskets. The first one is products which are in low risk and low reward: fixed-rated fund and premium bands, UTs. The second one is products which are in high risk and high reward, like ITs, OEICs. The third one is pension which is tax-efficient. The forth one is Reverse Annuity of Real Estate. And also I will suggest him to buy the life insurance to deal with uncertain3.Suggestions on his investmentAccording to Abul (2011), to have a sustainable and successful investment, the investor should do not put all the eggs in one basket which means that he should buy both saving and investment products and do not invest in one go, which means that he should try to avoid the market risk.3.1 Suggestions on investment products and ratios for Andrew.In term one—the first 5 years, put his interests and dividends in tax-free account, get 40% of his cash into pension, 40% into UTs and 20% into ITs. Take attention of the operation of the companies he invested and put some of his current bound into investment, the investment method can follow the ratio above.In term two—the rest 5 to 7 years, get out of all money in his tax-free account, and put them into OEICs, still put his interests and dividends in tax-free account, get 20% of his cash into pension, 20% UTs, 30% into OEICs, and 30% into ITs. Also take attention of the operation of the companies he invested and put some of his current bound into investment, the investment method can follow the ratio above.In term three—time since his travel all over the world. Before starting the travel, he should sell his flat and put the money reward into life insurance, when back from the worldwide travel, he should buy a smaller flat (an one-bedroom apartment is better) and invest this flat into Reverse Annuity of Real Estate.3.2 How can he get these financial products and how can he operate to invest.Online attention of investors are important and efficiency now days, suggested by Bowden (2011). To get a personal pension schedule, by searching the website of the UK government to find information ondetails is the most efficient method.To buy tax-free financial products, he can use online banking for serves, he can also choose to go to the bank.To know and trade ITs, he can research for or surf the products though a fund supermarket.To invest in UTs, he can get information and buy the financial products though manage company.To invest in OEICs, he can get information of certain company by searching for the website of that company and he can trade on the London Stock Exchange.To invest in life insurance, he can find details in insurance companies and their online services.For Reverse Annuity of Real Estate, he can know more from the website of the government of UK by click into serve for the retirement.3.3 The costs of financial products recommended to him.Costs of different financial products mainly include three parts. They are trade costs which mainly refer to operation costs, maintaining costs which mainly refer to property tax and capital gain tax.Costs to different products are in great difference, pensions have a tax relief, so they are tax advantaged, but the government give out a cap fortax relief of pensions; tax-free products nearly need any costs; and ITs, UTs, OEICs, Real Estate and Insurance need higher costs to invest.Her Majesty's Revenue and Customs (HMRC) have embraced information technology in that individuals who are required to fill in a tax return can now do so online. You can find more information in their website.3.4 How can he monitor all the financial products by computer?He should care more about the daily operation of the companies he invested in, according to Olha (2010), he should also read about the regulations and rules of the operation of invest in EU, finally he should do more online trade to save time and trade fees.Check his investment and try to find whether it is ok, or whether there are better choice or financial products to invest in. update his investment ratio when necessary.As to Grundamann (2008), finance services and contract law develops quickly. He should not only, care about laws and regulations of the financial products he had buy, but also take attention on the update of the laws and regulations relevant.Citizens’ services in the website of the government of UK (Government of the United Kingdom 2011) are full of information on pensions, retirement treat and taxes.Her Majesty's Revenue and Customs (National Savings and Investments 2011) is a good online website that provides services on personal tax calculating and designing.References:Arthur J. Keown 2009, personal finance, Prentice Hall, New York, Unit 1, p41.Baddepudi, R. and Vizcaino, B. 2007, ‘Key trends in Islamic funds’, Eurekahedge,Vol.2No.3, pp. 1-13.Blackburn, R. (2007), ‘A global pension plan’, New Left Review, Vol. 47, September-October, pp. 71-92.Carlos Jo ly 2009, ‘Why responsible investment falls short of its purpose and what to do about it’, corporate governance, vol. 10, no. 1, pp. 18-32.Abul Hassan 2011, ‘After the credit crunch: the future of Shari’ah compliant sustainable investing’, Islamic Economics Unit, The Islamic Foundation, Markfield, UK, viewed 7, March 2011< /0828-8666.htm> Sharpe,W.F. 1966, ‘‘Mutual fund performance’’, Journal of Business, Vol. 39, pp. 119-38.Olha O. Cherednychenko 2010, ‘The Regulation of Retail InvestmentServices in the EU: Towards the Improvement of Investor Rights?’, J Consum Policy, vol. 10, no. 33, pp. 403-424.Grundamann, S., & Hollering, J. 2008, EC financial services and contract law—developments 2005—2007, European Review of Contract Law, vol.4, pp.45–64.Bowden, FJ & Fairley, 2011, ‘Effects of Trust Beliefs on Consumers’ Online Intentions’, paper presented to the Emerald Group Publishing Limited, UK, March 2011.Government of the United Kingdom 2011, London, Directions on pensions and taxes, Government of the United Kingdom, viewed 6 March 2011, <http:///>谢谢阅读!!! 随心编辑，值得下载拥用！专业│专注│精心│卓越。
